Terms of Use

By using autoinsurancebystate.com you agree to these Terms of Use.

Informational purpose only

All content, averages, and calculator outputs are provided for general informational purposes only. They are estimates, not insurance quotes, offers, or financial advice. Actual premiums are determined solely by licensed insurers based on your full profile and underwriting.

No warranty

We strive for accuracy using public data (primarily NAIC), but we make no warranty that figures are current, complete, or error-free. Insurance rates change frequently and vary by individual circumstances.

No professional advice

We are not an insurance company, agent, or broker, and nothing here constitutes professional insurance or financial advice. Consult a licensed professional before making decisions.

Third-party links

The Site links to third-party services. We are not responsible for their content, products, or practices.

Limitation of liability

To the fullest extent permitted by law, we are not liable for any loss arising from use of the Site or reliance on its estimates.